Caring for a spouse is different from caring for a parent, financially and otherwise. Texas's 2026 Community Spouse Resource Allowance runs roughly $32,041 to $160,200, protecting the at-home spouse's assets.
Short answer
Options that keep a couple together, and the spousal protections Medicaid provides.
What to do, in order
- Understand the spousal protections. Texas's 2026 federal Community Spouse Resource Allowance runs roughly $32,041 to $160,200, with a Minimum Monthly Maintenance Needs Allowance of roughly $2,643 to $3,948, protecting the at-home spouse.
- Look at communities that keep couples together. Several campuses offer more than one level of care on one site.
- Be honest about your own health. Spousal caregivers routinely under-report their own decline.
- Get an objective assessment. The Area Agency on Aging serving your county can assess both of you at no cost.
